Walton County property record for 41 Cottage Row, Miramar Beach, FL 32550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,950 sqft · built 2005 |
| Lot Size | 0.026 acres (1,125 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $100 (Jun 2016) |
| Tax Bill | $6,395 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2S-21-42796-000-0160 |
| Primary APN | 30-2S-21-42796-000-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| Gross Area | 2,250 sqft |
| 1st Floor Area | 975 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Other |
| Lot Area | 1,125 sqft (0.026 acres) |
| Lot Dimensions | 45 ft deep x 25 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 41 COTTAGE ROW |
|---|---|
| City | MIRAMAR BEACH |
| State | FL |
| Zip | 32550-8274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 COTTAGE RETREAT PB 16-22 OR 2659-3063 OR 3014-3983 |
| Legal Range | 21W |
| Legal Township | 02S |
| Legal Section | 30 |
| Legal Subdivision | COTTAGE RETREAT |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | WALTON FL |
| Township / Civil Division | WALTON BEACHES |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950608 |
Source: Walton County records, as of December 3, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2989 PLEASANT COLONY DR, LEWIS CENTER, OH 43035-7345 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2016 · Amount on Record |
| Deed Sale | Jun 1, 2016 · Amount on Record |
| Prior Sale | Mar 18, 2005 · Amount on Record |
| Deed Book / Page | 3014 / 3983 |
| Last Transfer Date | Jun 30, 2016 |
| Transfer Doc | 0030143983 |
| Record Updated | Jun 8, 2026 |
Source: Walton County assessment roll, as of December 3, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Walton County |
| Unified School District | Walton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,395.00 (+8.46%) | $745,821 (+8.19%) Land $105,671 Building $640,150 | $745,821 (+8.19%) Land $105,671 Building $640,150 |
| 2024 | $5,896.00 (+4.84%) | ||
| 2023 | $5,624.00 (+7%) | $689,377 (+8.58%) Land $105,671 Building $583,706 | $689,377 (+8.58%) Land $105,671 Building $583,706 |
| 2022 | $5,256.00 | $634,880 Land $117,295 Building $517,585 | $634,880 Land $117,295 Building $517,585 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 203 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 706 units insured incl. 503 condo units |
| Nearby Flood Claims | 3 (2014–2020) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2020 · Hurricane Sally |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | P32 “Moreno Point” |
| Unit Type | System Unit |
| Designated | Oct 18, 1982 |
| NFIP Eligibility | Not eligible (built 2005) built after the Oct 1, 1983 cutoff · private flood insurance only |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH WALTON UTILITY COMPANY private · serves 26,668 people · EPA ID FL1660615 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 657 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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